Question : what's the best credit card to help repair my bad credit?
I'm recently working on getting divorced & my credit was badly damaged because of that. My bank is working with me to help me recover, but I am looking for a basic credit card, not necessairily a large line of credit, and one with REASONABLE fees and interest rates. Also, looking for credit repair services that really work and that areasonably priced.
- asked by Katherine B
All Answers:
Answer #1
I'd try going with a secured card, as they aremade for exactly this type of thing. WashingtonMutual has a good one worth looking into.
- answered by crazyjester9
Answer #2
Hello,I see you're going through somethings and Ias a financial concierge of large companies andsmall, I provide innovative financial solutions. Idon't want to get to personal but I'm sure youknow others in a spot as well. Maybe even yourspouse. This service I'm offering you maybe wellfor you guys if children are involved. My name isLawrence Davis and I would like to offer you myflagship of financial services. I offer FinancialDestinations Inc. known as FDI. I work in thefield of Real Estate and as a Adviser for aMortgage Banker. This is the platform service ofall my services to these professionals. Inregards to your question, all credit cards aregood to payoff debts and I'll show you how. Asyour Financial Concierge, I'll show you how to pay your debt off in up to a third of the time itwould normally take you and eliminate minimum 40%without you changing your daily habits.I wanted toget some feedback from people on the type ofservice I provide. We all know that our economyis in the slumps or so it seems but it makes ithard for homeowners and the respective financialinstitutes or advisers. With so many homes andjobs being lost, while financial institutionsscurrying around trying to find a answer,restricting guidelines making it harder formost....... one thing never changes. That'stime.Where is it going while you're working(forothers), attending the children, payingbills(maybe), listening to people pretending togive you the answer not catching what you'rereally there for, arguing about the next mortgage,rent, car payment? Risking your credit, yourfuture & wealth!The thing is.......that NO matterwhat, credit affects everything you want in life.Finances, Relationships, Job Opportunities,Family, HOPE, RESPECT,MOTIVATION and PURPOSE.www.fdidvd.com/davislawwww.innovativefinancialsolution.wsI want to know, do you see freedom?
- answered by Lawrence D
Answer #3
I have been in FDI for 3 months and have beentrying to get them to stop taking out the $129fee. They told me that I have to fax them acancellation which I did and they still charged mybank account making me overdrawn so it cost me anextra $35. I think it is too expensive of aservice because I got in for the credit repair andthey have not contacted as of yet. Also, sincethey close a 2 PM my time, it makes it difficultto get in touch with them.I have a much bettersolution. I now work for a company the offers theservices of a Credit Attorney, Lisa Rosenthal. She does an incredible job of removing negativeitems off a credit report. We are looking foraffiliates that need extra money. There are nofees to become an affiliate, just a signedagreement form and a short 20 minute training thatcan be done over the phone. If you are or havefreinds or clients that are credit challenged, youcan help them turn a low FICO score client intoone that can possibly get a loan. Lisa Rosenthalis NOT a Credit Repair Company that just doesdispute letters, she is a bonded Credit ServiceOrganization. There is a difference! Lisaactually will select only the negative informationon the credit report and serve Legal Demands toall 3 Credit Reporting Agencies. When the 3Agencies receive the Legal Demands, are they arerequired to PROVE that they have done their duediligence and followed ALL the laws andregulations, both State and Federal, BEFORE theyreported any negative information. This can beimpossible for them to provide due to the timeline and their overwhelming expense. So theyconcede to the Legal Demands and remove thenegative information, update the credit report andimprove your clients over all credit worthiness. Sounds great right?It gets better. Her one timeretainer fee covers a client for 3 years! If theclient somehow manages to mess it up again or hasany other reason something derogatory shows up(i.e.: Identity Theft), she will go back in aclean it again for NO extra fee. Pretty cool huh? She also offers a 100% money back guarantee after12 months. So what does it cost? For one personit is $799 and for a couple it is $1299. As Imentioned before, the retainer fee covers yourclient for 3 yrs (36 mos.) We do have a paymentoption of half up front and the rest in 2 paymentsover the following month, however, no one getspaid until all monies are collected.The AffiliateProgram that we offer is to any one that wants tomake extra money. In addition you can help aclient at the same time. A $100 referral fee ispaid to the referring Affiliate for any clientthat pays in full for her services. In addition,if you want to make more money than he $100, youcan charge a higher retainer fee to the client andwe will give you the difference. We have a coupleof offices charging a $1500 retainer and they get$800 per client.If you are interested, please sendme an email at kmck413@aol.com Let's get Americaback on track.
- answered by Kat
Answer #4
If bad credit, or no credit for that matter, isyour current credit situation then finding asecured credit card may be the only option youhave to get a credit card. Many consumers insteadof seeking out a secured credit card give in totemptation and get themselves a high interestcredit card with high fees, which generally leadsto further financial troubles. If you where tofind a secured credit card from a financialinstitution that is legitimate and not out to takeadvantage of you, you would be making a muchbetter choice. So which secured credit card may bethe right one foryou?
http://creditcard-guides.freehostia.com
- answered by jancy l
Answer #5
there are a few go towww.fastcreditcardapprovals.com under poor or nocredit section, good luck
- answered by Abcd
Answer #6
In my experience there are two types of Bad CreditCredit Cards. One is a secured card, and the otherhas a much higher rate of interest. Both can beused to rebuild your credit worthiness aftergetting back on your feet. Secured credit cardsare great for rebuilding your credit. You send thecredit card company a pre deposit amount set bythe companybit of interest for you. Afterestablishing yourself with the credit cardcompany, they may decide to give you a unsecuredcredit card or increase the limit on the one youhave with them without having to make anotherdeposit. Secured credit cards are a good choicefor anyone wishing to rebuild their credithistory.
- answered by Taylor
Answer #7
I would to have to say honestly that I wouldn'tdo that if I were you. I would not go in thatdirection. I wouldn't want to be in your shoeswhen the bill comes in for that credit card(s)start coming in cause in the long run you willhave you self A NICE BIG FAT HOLE DUG AND it willtake a long time to dig your way out, and then itwill take you a much longer time to really get any kind of credit and NOT JUST WITH A BANK . Myhusband & I did it once with a gas card thought wewere smart . In the long haul of it all it tookforever to pay it off cause IT'S LIKE HAVING ONEOF THOSE REVOLVING accounts & when the billarrives, IT COME IN WITH LARGE FEES ANDpercentages attached TO THEM too .. It may takeawhile to rebuild your credit with you beingsingle but you would be better off waiting awhilethan to put yourself into that kind of debitespecially with a divorce and all. BE PATIENT ANDWAIT THAT'S MY ADVICE. I DON'T BELIEVE YOU wouldbe very happy if you put yourself in that kind ofdebt ..I've bookmarked thissite...
http://debt.123thebest.info/credit_card.htmlGood Luck.
- answered by Jenna B
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